At a glance
Should you consider this card?
₹4,999 joining and annual fee, plus applicable taxes. The annual fee is reversed when eligible annual spend exceeds ₹8 lakh.
Annual fee₹4,999 + GST
Joining fee₹4,999 + GST
Forex markup3.5% + GST
Welcome benefit
Within 30 days of opening the account, log on to the HSBC India Mobile Banking app and spend ₹25,000 to receive ₹1,000 cashback, a ₹3,000 PostCard voucher and three months of EazyDiner Prime membership. Introductory-offer terms apply.
Earning and using rewards
Rewards that matter
How you earn
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4 Reward Points per ₹100 spent on flights, travel aggregators, and foreign currency transactions (capped at 50,000 Reward Points per month)
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2 Reward Points per ₹100 on all other spends
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1:1 conversion of Reward Points to air miles or hotel loyalty points with partners like Air India, British Airways, Etihad, Singapore Airlines, Marriott Bonvoy, Accor, and more
How to redeem
Redeem Reward Points for:
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Air miles with leading airlines
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Hotel loyalty points
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Gift vouchers across various categories
Renewal benefit
Annual fee waiver on spending ₹8,00,000 in a year
Spend thresholds
Milestone benefits
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10,000 bonus Reward Points on annual spends exceeding ₹12,00,000
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Annual fee waiver on spending ₹8,00,000 in a year
Cost and conditions
Fees and charges
| Joining fee | ₹4,999 + GST |
|---|---|
| Annual fee | ₹4,999 + GST |
| Forex markup | 3.5% + GST |
| Fuel surcharge | Not specified |
| Reward redemption | Not specified |
| Interest rate | 3.75% per month (45% per annum) |
| Cash advance | 2.5% of the amount withdrawn or ₹500, whichever is higher |
| Late payment | ₹250–₹1,200 based on outstanding balance |
Annual fee is reversed when eligible annual spend exceeds ₹8,00,000.
What works well
Accelerated reward points on travel-related spends
Seamless redemption options with leading airline and hotel partners
Exclusive lifestyle benefits including lounge access and golf privileges
Consider before applying
High annual fee of ₹4,999 + GST
Reward points capped at 50,000 per month for accelerated categories
Limited reward points on non-travel spends
Travel, insurance and more
Benefits and privileges
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6 complimentary domestic lounge visits and 4 international lounge visits per year
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4 complimentary rounds of golf and 12 golf lessons annually
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Up to 15% discounts on travel platforms like Yatra, EaseMyTrip, Cleartrip, StayVista, and AdaniOne
Before you apply
Eligibility and application
Who may be eligible
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Age: 18–65 years
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Minimum annual income: ₹4,00,000 for salaried individuals
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Resident of select Indian cities including Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, Noida, and others
Application process
Apply online via Credofly in just 2 minutes:
Complete the form, upload documents, and finish Video KYC. Your card will be approved and delivered within 5–7 business days.
Our take
Credofly review
Credofly take: TravelOne is stronger than a generic travel card because the transfer ecosystem is its centre of gravity, not an afterthought. It works best for someone happy to learn a few loyalty programmes and redeem toward travel. The base reward rate is modest for a ₹4,999 card, so it is not the right default card for every household purchase. Use it for flight, travel-aggregator and foreign-currency spends; move points to a relevant airline or hotel programme when you have a real redemption in mind; and keep an eye on the 50,000 accelerated-point monthly cap and excluded categories.
Answers before applying
Frequently asked questions
What is the HSBC TravelOne Credit Card?
It’s a travel-focused credit card launched by HSBC India, offering reward points, lounge access, and travel-related discounts, aimed at frequent travelers.
Who is eligible to apply?
Applicants must be 18–65 years old, have a minimum annual income of ₹4 lakh (salaried preferred), and reside in select cities like Mumbai, Delhi NCR, Bangalore, Hyderabad, Pune, Chennai, Kolkata, or Ahmedabad. Existing HSBC customers may have an easier approval process.
What are the fees?
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Joining Fee: ₹4,999 + GST (around ₹5,898).
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Annual Fee: ₹4,999 + GST, waived if you spend ₹8 lakh in a membership year.
How do I earn reward points?
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4 points per ₹100 on flights, travel aggregators (e.g., Yatra, MakeMyTrip), and foreign currency spends (capped at 50,000 points/month).
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2 points per ₹100 on all other spends (no cap).
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10,000 bonus points for annual spends above ₹12 lakh.
How can I redeem my reward points?
Redeem instantly via the HSBC India Mobile Banking app for air miles or hotel points with partners like Air India, Singapore Airlines, Etihad, Marriott, IHG, and more. Most conversions are 1:1, but some (e.g., Air Asia 1:3, Shangri-La 5:1) vary.
How long are reward points valid?
Points expire 3 years from the end of the month they were earned.
What are the welcome benefits?
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Spend ₹10,000 within 30 days of issuance to get:
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₹1,000 cashback.
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₹3,000 PostCard Hotels voucher (for hotel stays only).
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3-month EazyDiner Prime Membership.
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Spend ₹1 lakh within 90 days for 3,000 bonus points.
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Offers valid for applications between December 1, 2024, and December 31, 2025.
What travel benefits does the card offer?
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6 domestic and 4 international lounge visits per year via Mastercard Travel Pass.
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Up to 15% off on travel aggregator bookings (e.g., Yatra, EaseMyTrip) with caps and validity until December 2025/2026.
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20% off duty-free shopping via AdaniOne (up to ₹3,000, once yearly, min. ₹8,000 spend).
Can I use the card internationally?
Yes, it’s widely accepted worldwide via the Mastercard network, with accelerated rewards (4 points/₹100) on foreign currency spends.
Are there any spending caps on rewards?
Yes, the 4x points category (travel and forex) is capped at 50,000 points per month. The 2x points category (other spends) has no cap.
What happens if I don’t meet the annual fee waiver threshold?
If you spend less than ₹8 lakh in a year, the annual fee of ₹4,999 + GST will be charged.
Can I get lounge access for a guest?
Lounge visits are tied to the cardholder; guest access depends on lounge policies and may incur additional charges unless specified by Mastercard Travel Pass.
Is this card available for self-employed individuals?
Yes, but approval is stricter compared to salaried applicants, and HSBC often prioritizes salaried individuals with a stable income.
What lifestyle benefits are included?
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Purchase protection up to USD 20,000 annually for 180 days.
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Buy-one-get-one movie ticket offers.
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Dining discounts via Zomato.
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Golf privileges (lessons and rounds).
How do I track my rewards and benefits?
Use the HSBC India Mobile Banking app or check your monthly credit card statement.
What if my application is rejected?
Rejections may occur due to low income, credit score, or non-serviceable location. Contact HSBC customer service for clarification or reapply after addressing eligibility gaps.
Fees, rewards, availability and eligibility can change. Verify the issuer’s current terms before applying. Record last verified: 2026-09-06. View issuer source ↗
